Foreclosure and Loan Modification Blog

If you're like most people, you probably get more junk email than you know what to do with.

That's a big problem when it becomes hard to sort through all the messages you don't care about to find the really important emails, like those from your lawyer.

When you hire a lawyer, it's because you need help with an issue that you can't handle on your own. When your attorney sends you an email, it's not just to say hi. It's because they either need to tell you about a development in your case or ask you for something they can't get without you.

Self-employed people earn a higher income on average than people who receive a regular paycheck, but they can have a harder time getting approved for a mortgage. They can also find it more difficult to get approved for a loan modification if they fall behind on their mortgage.

Some lawyers might tell you that you can't get a loan modification if you're self-employed. That's just not true. You can. However, it will most likely add more work to a process that already takes a lot of work.

The reason getting and modifying a mortgage is more difficult for self-employed people is that their income varies more than salaried and hourly workers and they don't have the pay stubs or W-2s that make it easy for banks to verify earnings.

Every January is an opportunity for people to complain about how horrible the previous year was. 2018 certainly had it's share of negative events, including Hurricane Michael hitting Florida and the worst wildfires in California's history.

But let's not forget that there were also good stories, like that dog who adopted a monkey. How awesome is that?

Besides looking back at the good and bad of the previous year, new year's is also a time to look ahead to the issues you care about in the coming year.

If you're behind on your mortgage, one issue you should definitely care about is loan modifications. What's going on with them in 2019?

Amerihope Alliance Legal Services, which focuses on providing foreclosure defense and loan modification assistance, is proud to have accepted numerous awards for providing excellent service to our clients.

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Chase, Ocwen, Wells Fargo, and Mr. Cooper:

Chase

Our Chase client was 21 months and $42,505+ fees past due on his mortgage, but we helped him get an FHA partial claim loan modification (his second) with a fresh start!

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Rushmore, Chase, Wells Fargo and Caliber:

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Rushmore, Mr. Cooper, SLS, Wells Fargo, Carrington, Loan Care, and PennyMac:

Rushmore

Our Rushmore client was a whopping $56,122.93 past due on her mortgage and in active foreclosure, but we helped her get a final loan modification with partial claim that allows her to keep her home and avoid foreclosure!

Florida Attorney General Pam Bondi has announced that a settlement was reached with Nationstar Mortgage, doing business as Mr. Cooper, that “resolves allegations regardingMr. Cooper’s servicing misconduct in the aftermath of Hurricane Irma.”

(If you're in foreclosure, or being threatened with foreclosure after a hurricane, contact our firm for a free Hurricane Hardship Review.)

Mr. Cooper's Misconduct

Mr. Cooper/Nationstar is a mortgage lender and servicer based in Texas which services mortgages nationwide. Their misconduct related to Hurricane Irma is similar to stories we've heard from homeowners with loans serviced by many servicers after the hurricane. It goes like this:

A mortgage servicer tells a homeowner that they can postpone 3-6 months of mortgage payments to recover from the financial impact of Hurricane Irma.

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are some of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Mr. Cooper, CitiMortgage, and Home Loan Investment Bank:

Mr. Cooper

Almost 5 years (57 months) and $37,748.23 past due on their mortgage, we helped our Mr. Cooper clients get a final FHA loan modification with $23.62 monthly savings and a fresh start!

About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a free consultation at any time.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. This web site is designed for general information only. The facts and law in each case are different. We cannot and do not represent or guarantee a specific result in any given case. See our About Us page for our qualifications and experience.